Yes, the penny can be HBD ๐.
Yes, you could start at week 5 ๐.
You can make a post whenever you like. Some people have just made one post stating their savings goals, other people like to make a post weekly or monthly with their progress: @bearmol does a report each week and @jfang003 usually does each month, and they link it here. Both of them usually comment here each week, so you can ask them about what works for them and have a look at their posts ๐
Alright, I will go through a few posts and make my goal post and will continue the saving goals since I have already started. Thank you for your help.